I paid.
You owe me.

Reimbursement-seeking, not a household ledger

CoFam's constraint is deliberate: an expense only exists in the app if one parent wants money back from the other. There is no "log this for reference" mode. If you paid for something and you're not seeking reimbursement, it doesn't go in. That single decision eliminates the "why is this on here?" argument that turns shared finance into a running audit of each other's choices.

The running balance lives alongside the calendar. Open the Expenses tab and the first number you see is the net, who owes whom and by how much, not a chronological list of individual charges.

Per-expense splits and category rules that match your actual agreement

50/50 is the default, but most parenting agreements set different ratios for different categories. Medical might be 70/30. Sports 60/40. School activities 50/50. Clothing single-payer. CoFam supports a custom split on any individual expense and category rules that auto-apply your agreed ratio, so you stop re-deciding on every receipt.

Changing a category rule from 50/50 to 70/30 shifts cost onto the other parent, which means it goes through the bilateral proposal flow and requires the other parent's consent. Category rule changes that benefit only the person proposing them take effect immediately; changes that shift cost to the other side require approval. See parenting plan for background on how expense splits typically get written into agreements.

Settle up links directly to Venmo, Cash App, or Zelle

When the balance owed crosses the threshold you set (default: $50, tunable), CoFam surfaces a Settle up card. One tap opens Venmo, Cash App, or Zelle prefilled with the exact amount and a clean memo so the payment lands without ambiguity. Mark the settlement applied and both balances zero out.

Or batch it: weekly or monthly, a single proposal nets the past N expenses into one payment request. The accept-or-counter flow is the same as any other proposal in the app.

Receipts stay attached, even after the expense settles

Every expense supports a photo receipt or PDF attachment. Attachments are encrypted in transit and at rest, scoped to the family, and persist after settlement, so you can retrieve a settled $1,800 orthodontist invoice from two years ago without digging through email or text threads. Tap the receipt thumbnail to see the original file.